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Texas · Property & Casualty Adjuster

Texas Adjuster — Property & Casualty — 40-Hour Pre-Licensing

This course is approved by the Texas Department of Insurance as a 40-hour adjuster pre-licensing course. Course #147957, TDI Provider #240353 (Elite Online Training Academy LLC). Under TDI's approved-course route, completing it within 12 months of applying replaces the state adjuster exam. Cost is shown above; see our cancellation and refund policy and how to get a Texas adjuster license.

12
Sections
48
Lessons
1650+
Practice questions

What you'll learn

Every section below is aligned with the Texas content outline.

Section 1
I. Texas Insurance Law Fundamentals
4 lessons
+
  • Texas Insurance Code Structure & TDI Authority
  • Texas Administrative Code Title 28 Overview
  • TDI Commissioner Powers & Departmental Investigations
  • Texas Insurance Code Ch. 4001: General Producer/Adjuster Provisions
Section 2
II. Adjuster Licensing
4 lessons
+
  • Adjuster License Types & Qualifications
  • Application Process & Fingerprinting
  • License Maintenance, CE Requirements & Renewals
  • License Discipline, Suspension & Revocation
Section 3
III. Adjuster Conduct & Ethics
4 lessons
+
  • Adjuster's Role, Authority, and Fiduciary Duty
  • Texas Unfair Claim Settlement Practices Act: Tex. Ins. Code Ch. 542
  • Prohibited Conduct under Ch. 4101.151 and 28 TAC §19.602
  • Texas Deceptive Trade Practices Act and Bad-Faith Standards
Section 4
IV. Insurance Contract Fundamentals
4 lessons
+
  • Parts of an Insurance Policy
  • Insurable Interest, Indemnity, Subrogation
  • Coinsurance, Pro Rata vs Excess, Occurrence vs Claims-Made
  • Contract Interpretation: Ambiguity, Reasonable Expectations, Adhesion
Section 5
V. Claims Investigation Process
4 lessons
+
  • First Notice of Loss, Initial Contact, and Reservation of Rights
  • Scene Investigation, Documentation, Photography, and Diagramming
  • Witness Interviews, Recorded Statements, and Examination Under Oath
  • Causation, Subrogation Investigation, and Salvage
Section 6
VI. Property Insurance Concepts
4 lessons
+
  • Homeowners and Dwelling Forms: HO and DP Series
  • Commercial Property: BPP, Building Coverage, Causes of Loss, and Business Income
  • Specialty Property: Inland Marine, Flood, Earthquake, Mobile Home, Builders Risk, Equipment Breakdown
  • Valuation Methods: ACV, RCV, Functional Replacement, Stated Value, Agreed Value, Coinsurance
Section 7
VII. Casualty Insurance Concepts
4 lessons
+
  • Liability Theory: Negligence, Strict Liability, and Vicarious Liability
  • Texas Personal Auto Policy: Coverages, UM/UIM, PIP, Financial Responsibility
  • Commercial General Liability: Occurrence vs. Claims-Made, Coverages A/B/C, Exclusions, Additional Insureds
  • Umbrella & Excess, Professional Liability (E&O, D&O), and Cyber Liability
Section 8
VIII. Damages, Evaluation, and Settlement
4 lessons
+
  • Scope of Damages: Property, Bodily Injury, Special, General, and Future
  • Estimating Methods: Xactimate, Symbility, Unit-Cost, and Replacement Cost
  • Depreciation, Salvage Value, Betterment, and Code-Upgrade Coverage
  • Settlement Negotiation: Anchoring, BATNA, Structured Settlements, Releases, and the Stowers Doctrine
Section 9
IX. Fraud Detection & Reporting
4 lessons
+
  • Insurance Fraud Defined: Soft, Hard, Opportunity, and Organized
  • Fraud Red Flags by Line of Business
  • Fraud Investigation Techniques: Statements, Records, and SIU Referrals
  • Mandatory Reporting, NICB, and the Criminal Interface
Section 10
X. Texas Statutes & Regulations Cross-Reference
4 lessons
+
  • Texas Insurance Code Title 4: Regulation of the Insurance Industry
  • Texas Insurance Code Title 5: Protection of Consumer Interests
  • Texas Administrative Code Title 28: Insurance Regulations Cross-Reference
  • Federal Law Interfaces Affecting Texas Adjusters
Section 11
XI. Property Adjusting Deep Dive (P&C Overlay)
4 lessons
+
  • Roof Claim Mechanics — Hail, Wind, Age-of-Roof Endorsements, ITV Math
  • Water Damage — Categories of Water, Ensuing Loss, Mold Exclusions
  • Fire Claims — Origin Investigation, Smoke Damage, Electrical vs Accidental
  • Theft and Vandalism — Proof of Ownership, Scheduled vs Unscheduled Personal Property
Section 12
XII. Casualty Claims and Litigation Management (P&C Overlay)
4 lessons
+
  • Bodily Injury Investigation — Medical Records, Recorded Statements, IME
  • Liability Assessment — Comparative Fault Under Texas Proportionate Responsibility
  • Defense Counsel Selection, Litigation Budgeting, Reserves Discipline
  • Mediation and Arbitration in Texas — When and How to Invoke

How it works

1

Enroll

One-time payment of $49.99. Secure checkout powered by Stripe.

2

Study on your schedule

Read the lesson library, take section quizzes, and work through the practice-question bank as many times as you need.

3

Complete the course

Finish every section and the final exam to earn your completion certificate. Under the TDI approved-course route, completing this course within 12 months of applying replaces the state exam. Then apply for your license through the Texas Department of Insurance.

FAQ

What is this Texas Property & Casualty Adjuster pre-licensing course?+
This is a state-regulated pre-licensing education course for the Texas Property & Casualty Adjuster license, delivered online and self-paced.
Do I still have to take the Texas state exam?+
Not necessarily. TDI lets an adjuster applicant qualify either by passing the state exam or by completing a TDI-approved adjusting course within 12 months of applying. This course is the approved-course route, so if you complete it you may not need to take the exam. Confirm the current rule on the TDI adjuster application page before you apply.
Does the course include AI tutoring?+
Yes -- every lesson page has a built-in AI tutor, included with the course at no extra cost. It can explain the current lesson in simpler terms, quiz you one question at a time, and tell you what to study next based on your actual quiz results. If you already use Claude or ChatGPT, you can also connect your own AI assistant to your course from your account page, so it can coach you using your real progress and practice questions.
Can I study on my phone?+
Yes. The course works on any phone, tablet, or computer with a browser -- no installs or downloads required -- and your progress, quiz scores, and seat time sync automatically across devices. Materials stay online rather than as downloadable files so that every study session reflects the current version of the content; there is nothing stale sitting in a folder after a state changes its rules.
Can I fit this course around a full-time job?+
It is built for that. The course is fully self-paced with no schedules, live sessions, or deadlines: study in short sessions from your phone during a commute or lunch break, and pick up exactly where you left off on any device. The AI tutor points you to the sections your quiz results show you need most, so limited study time goes where it counts.
How long do I have access to the course?+
Lifetime. After purchase you are enrolled immediately and can log in from any device -- laptop, tablet, or phone. Your progress syncs automatically and access never expires.
Can I get a refund?+
Yes. Within 7 days of purchase and before you have completed more than 25% of the course or started the final exam, you can request a full refund. Email support@theelitecompany.com with your order number; refunds process to the original payment method within 5-10 business days.

Ready to start studying?

Enroll once, keep access forever, pass your exam with confidence.

$49.99 · 7-day money-back · Lifetime access